Commercial Credit Analyst III

Wings Credit Union

Apple Valley (MN)

On-site

USD 92,000 - 108,000

Full time

6 hours ago

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Benefits offered by this job

Health Insurance

Dental Insurance

Vision Insurance

Life Insurance

Disability Insurance

401(k) match

401k Discretionary Profit Sharing

Paid Vacation

Job summary

Wings Credit Union is seeking a seasoned Commercial Credit Analyst who will perform in-depth credit analysis and risk management for a diverse loan portfolio. You will partner with Commercial Lenders to evaluate borrower strength and approve loans ranging from complex structures to multi-million dollar deals.

The role emphasizes adherence to policies, regulatory requirements, and ongoing borrower monitoring, with opportunities to mentor junior analysts and contribute to industry initiatives.

Qualifications

Bachelor's degree in Finance, Accounting, Economics or related field preferred.
5+ years commercial credit analysis or equivalent experience required.

Responsibilities

Interpret credit policies to prepare written presentations and loan approval recommendations.
Collaborate on loan structure and suggest improvements.
Prepare and analyze financial spreads to assess repayment capacity.
Evaluate borrower and guarantor credit risk and value collateral.

Skills

Credit analysis

Financial spreads

Executive communication

Risk assessment

Collaboration

Industry monitoring

Problem loan workout

Microsoft Office

Education

Bachelor's degree in Finance/Accounting/Economics

Tools

nCino platform

Excel

Word/PowerPoint

Job description

Ent Credit Union and Wings Credit Union joined forces in January 2026. This merger means more opportunities, expanded resources, and a shared commitment to delivering exceptional member service. Together, we become more - empowering members, communities, and teams through a bold, unified future. Both organizations bring a strong legacy of member satisfaction, operational excellence, financial stability, and community impact. Recognized locally and nationally as best-in-class financial institutions and employers of choice, each is known for its commitment to financial well-being and philanthropic leadership. Join us during this transformative time and be part of shaping the future of banking!

Job Description

This role provides credit analysis and risk management for new and existing business members, including partnership with Commercial Lenders in managing risk of the commercial loan portfolio. Performs credit analysis and assesses risk for borrowing relationships to make loan approval recommendations regardless of size or level of complexity. This role ensures credit analysis compliance with applicable policies, procedures, and regulatory requirements to monitor borrower and portfolio health on an ongoing basis. Additionally, this role provides guidance for Problem Loan Monitoring and analysis of future repayment risk, and mentorship for less experienced analysts.

Essential Functions

Independently interpret credit and lending policies to prepare written credit presentations and approval recommendations, providing a detailed analysis of borrower's repayment capacity and project risks on loans ranging from $ 1 million to $30 million in size, with an emphasis on more complex loan structures
Participate in collaboration on structure for proposed loans, and recommend structure improvements
Independently prepare and analyze financial spreads and relevant financial information to assess borrower's ability to repay existing loans and new loan requests using key financial metrics and documentation
Analyze and evaluate financial capacity of borrower and loan guarantors, including preparation of global cash flow analysis
Research & evaluate borrower's background, management capability, industry position and competitor's strength
Produce written and detailed credit risk analysis recommendations in a clear and concise manner for appropriate audience commensurate with risk and policy/procedure guidelines
Active participation in industry trade groups relevant to Wings's commercial portfolio
Participate in organizational initiatives such as M&A due diligence and NCUA examination, as assigned
As directed, provide subject matter expertise and department representation to organizational projects and initiatives
In partnership with Manager, provide growth opportunities and task mentorship for Commercial Credit Analysts I and II
Continuing education and networking throughout the year to gather knowledge of changing industry trends that impact risk to Wings and borrowers. Complete all applicable compliance training and/or sales tutorials within established timelines.
Attend Business Loan Review Committee meetings to assist commercial lenders with new credit request presentations and annual credit reviews.
Bank Secrecy Act: Remains cognizant of and adheres to Wings policies and procedures, and regulations pertaining to the Bank Secrecy Act

Qualifications

Minimum Formal Qualifications for this Position:

Bachelor's Degree Finance, Accounting, Economics, or related field preferred. Equivalent combinations of education and progressively responsible commercial credit analysis, underwriting, or lending experience will be considered.
5+ years satisfactory work experience with commercial credit analysis, or other relevant experience demonstrating increased levels of accountability and knowledge Required

Technical or Specialized Knowledge/Skills:

Experienced and proficient in the use of financial spreading and analysis software, with preference for experience using the nCino platform
Demonstrated knowledge of industry trends and monitoring tools/techniques, with a preference for active participation in market/industry trade groups
Understanding of problem loan workout and monitoring techniques, with an ability to successfully partner with lenders to guide process and solutions
Experienced and proficient in Microsoft Office products, including: Excel, Word and PowerPoint
Ability to independently apply analysis techniques for debt service coverage, guarantor strength, collateral value, sensitivity analysis, and industry/market analysis
Ability to assess risk accurately and recommend loan structure improvements
Excellent oral and written communication skills required, particularly in writing for an executive audience; must accurately and thoroughly be able to reflect credit risk analysis recommendations in a clear and concise manner
Strong problem solving and decision-making skills
Ability to work with individuals and teams at all levels, inside and outside of the organization
Member Focused: Proven ability to build strong customer/member relationships and delivering customer/member-centric solutions
Collaborates: Known for building partnerships and working collaboratively with others to meet shared objectives
Action Oriented: Proven track record of taking on new opportunities and tough challenges with a sense of urgency, high energy, and enthusiasm
Situational Adaptability: Ability to adapt approach and demeanor in real time to match the shifting demands of different situations

Certifications Required:

Bondable required

Additional Information

PAY RANGE: $

92,000 to 108,000.60 Annually + 15% annual target bonus (S16).

Final compensation for this position will be determined by various factors such as relevant work experience, specific skills and competencies, education, certifications, location and internal pay equity.

BENEFITS: